Write a review

M&S Bank - Marks and Spencer: Credit Card reviews

Name: Credit Card
Rating: 3.04 (184 reviews)

View other M&S Bank - Marks and Spencer products

2.72

Based on 184 reviews, last reviewed 13th Jun 2025

600% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

36%

14%

39%

Latest highest rating:

5

Never had any problems and the rewards are good Never had any problems using their credit card and enjoy spending the rewards Reviewed on: 13th June 2025

Latest lowest rating:

1

Making it STUPIDLY difficult to sign in without your... Making it STUPIDLY difficult to sign in without your App , constantly pushing you to have the App . I’ve decided I don’t want the credit card now and ... Read more Reviewed on: 12th May 2025

Read all reviews See your review

About this product

The Marks and Spencer credit card reviews on Smart Money People are written by people like you. We’ve got over a hundred genuine reviews to help you to discover more about the pros and cons of the M&S credit card.

With so many credit cards available, it makes sense to shop around to get the one that suits you best. Start by thinking about what you want to use the credit card for, as well as whether you intend to pay what you owe every month, or spread repayments over a longer period of time.

Learning about other peoples’ experiences can also help you make the right choice. Find out more about the M&S Bank credit card by reading our trusted Smart Money People reviews, including what kind of features Marks and Spencers customers like most.

You can also write your own Marks and Spencer credit card reviews to share your experience. Why not include details of the application process, or how helpful customer support services were?

Smart Money People is the UK’s largest financial services review site. Together, we can make financial services work better for everyone. Read or write an M&S credit card review below.

M&S Bank - Marks and Spencer Credit Card reviews (184)

Review of the M&S Bank - Marks and Spencer, Credit Card:

Very deceitful

It started when I was trying to obtain a replacement card as I had my wallet stolen from a supermarket. I do not use the card as it was used as a zero balance transfer. I suspect that this is why they are just not sending me a replacement card. I have tried several phone calls, asking for copies of transcripts of conversation, copies of statements and of course replacement cards. Nothing as happened. I received nothing over then my DD had been stopped, which I did stop to see if I got a response, well surprise surprise I did. I did stop the DD because my bank account had been compromised, showing fraudulent access, so had to change the account. Since i had no card or account details I could do nothing on line other than contact them by phone. So I could not even register to use their on line service. Having made several calls, I still have not received anything. I then got an email stating that "the postal service has returned undelivered mail, stating you no longer live at the address." which of course is a load of rubbish. Especially when they can send me letters such as my DD stopped, new mandate letter to setup a DD, they got through ok. I am exhausted fighting this so I am just paying the balance off but their customer service is zero stars. I bit like they smile to your face but stab you in the back. Wont even go to any M&S again in my life. Disgusting company. I wonder if this gets published, lets hope so. Update 26/01/2021 - Just received a note that royal mail has returned my mail, strange things is that I got this notification via the royal mail. Anyway, I have now paid off the account and closed it. No change to me giving them the lowest score I can. Reviewed on: 20th January 2021

Improved app

App has improved since - easy to use and review transactions Reviewed on: 11th April 2023

Jozef

Perfect credit card easy to manage Reviewed on: 11th April 2023

Clothes

Materials and quality is good so I like is clothes Reviewed on: 11th April 2023

Very helpful

Very helpful and friendly very good app good phone service good rates and great to talk to Reviewed on: 6th April 2023

Valuable offers

I like that I get cash back from this credit card Reviewed on: 5th April 2023

Family

M&S bank is very good Bank, There service is very Excellent. Reviewed on: 3rd April 2023

5 stars

Best bank open 7 days a week frendly staff serving customers so quick Reviewed on: 3rd April 2023

Excellent

I prefer Metro Bank because it's open on Sunday even and good for children to have Account in metro. Best bank in UK. Reviewed on: 3rd April 2023

Very good

I got lots of point and lots of vouchers Reviewed on: 29th March 2023

Rubbish app

The app is awful !! I’ve been trying to move all my details over to my new device & nothing is made easy , then it locks you out!! I’ve never had any problems with other credit cards in the past only this one . Reviewed on: 26th March 2023

Do you have a different M&S Bank - Marks and Spencer product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

All in One Credit Card
from Halifax 3.96 from 72 reviews
Credit Card
from Shop Direct 4.76 from 6 reviews
Balance Transfer Credit Card
from Halifax 4.53 from 56 reviews

Want to see more from M&S Bank - Marks and Spencer?

Fixed Rate Savings
from M&S Bank - Marks and Spencer 5.00 from 1 reviews
Everyday Savings
from M&S Bank - Marks and Spencer 5.00 from 1 reviews
Investments
from M&S Bank - Marks and Spencer 4.20 from 3 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub